The Unidúo Mastercard Card's main fees
Maintenance fee: €44.00 per year. You don't have to pay this fee if you make purchases and/or mobile phone reloads exceeding €300 in a year. Cancelled transactions or reimbursements do not count. This is also the case if you have joined the Zero-Fee Plan and meet the requirements laid down. Consult the terms of the Zero-Fee Plan.
Credit cash withdrawal fee from ATMs with a Mastercard Credit Card at ATMs:
4.00% (minimum charge of €3.50) of the amount withdrawn, in transactions made at ATMs belonging to Unicaja Banco, S.A.
4.00% (minimum charge of €3.50) plus 100% of whatever the owner of the ATM charges Unicaja Banco for the withdrawal. In other words, a 4.00% fee will be charged (with a minimum charge of €3.50) of the amount withdrawn along with the amount the institution that owns the ATM where the withdrawal is being made charges us for the use of its ATM in Spain (other than Unicaja Banco), the Euro Zone, Sweden and Romania.
5.00% (minimum charge of €5.00) in all other countries. In other words, a 5.00% fee will be charged (with a minimum charge of €5.00) of the amount of cash withdrawn by card from ATMs of institutions that are not in the Eurozone, Sweden or Romania.
Fee for foreign currency transactions other than the euro: 3 % This fee will be applied to the resulting euro countervalue amount of all foreign currency transactions (purchases and cash withdrawals) made with the card according to the exchange rate obtained by the payment systems Mastercard and Visa on the date when the relevant settlement is made.
Mastercard Unidúo Card interest rate
Payment method, any transactions made with the Mastercard Unidúo Card will be accumulated (purchases, cash withdrawals, etc.) and a fixed amount of the credit drawn down may be repaid, which will be settled and repaid monthly on the first day of each calendar month until the amount of the transactions made under this payment method has been fully repaid. Different typical examples of the AER are shown below, which are calculated for cases where no additional credit drawdowns other than the ones indicated are made and the instalment is not changed, using the French amortisation method (constant periodic instalments which include capital and interest) over 48 months:
- For a credit drawdown using a Mastercard Unidúo Card for a purchase of €1,500 made at a Spanish store on the first day of the current month and amortised in 47 monthly instalments amounting to €44.83 and a final monthly instalment of €44.56. Total amount owed: €2,151.57, of which €651.57 are interest (if you are exempted from paying the credit card's annual maintenance fee). Total cost of credit: €651.57. APR: 19.00%. AER: 20.74%.
- For a credit drawdown using a Mastercard Unidúo Card for a purchase of €1,500 made at a Spanish store on the first day of the current month and amortised in 47 monthly instalments amounting to €44.83 and a final monthly instalment of €44.56. Total amount owed: €2,327.57, of which €651.57 are interest. The card maintenance fee of €44 is paid annually through a single payment at the beginning of each yearly period. Due to the existence of this fee, the AER varies depending on the amount and term. Total cost of credit: €827.57. APR: 19.00%. AER: 27.00%.
The monthly capital repayment amount may never be less than €20. The minimum monthly instalment to be paid will therefore be €20 plus any interest accrued and fees due in the period.